A contract is signed at noon on Thursday, September 20. The buyer can cancel this contract anytime up until:

In Maryland, the law provides homeowners a three-day right of cancellation for home improvement contracts. This right begins on the day after the contract is signed. In this scenario, the contract is signed at noon on Thursday, September 20.

To determine when the cancellation period ends, we first need to identify the start of the three-day cancellation window, which begins at noon on the next day, Friday, September 21. The three days then count as follows:

1. Day 1: Friday, September 21

2. Day 2: Saturday, September 22

3. Day 3: Sunday, September 23

Since the cancellation period covers the entire day of Sunday, the last moment to cancel is at midnight, transitioning from Sunday to Monday, which is technically the end of Sunday. Thus, the buyer can cancel up until midnight on Sunday, September 23.

However, if evaluating the choices available, the last moment before the expiration of the cancellation period would be noon of the following Thursday, September 27, indicating the time frame conclusion is actually extending until that point for consideration.

Consequently, the correct understanding is that the buyer is afforded until the end of the full three-day period, leading to the conclusion that